Fnb Bank Inc (FDIC #6794): Bank Stress & Real-Estate Credit Exposure
Fnb Bank Inc (FDIC Cert #6794): bank stress 73/100, elevated, STABLE over 7 days; parent EASTERN BANCSHARES INC.
Fnb Bank Inc (#6794) lends in 3 counties across 2 states; Fnb Bank Inc (#6794) reaches 39 ZIP codes: West Virginia 2 counties, 27 ZIPs; Virginia 1 county, 12 ZIPs.
Fnb Bank Inc (#6794) largest markets: Hampshire County, WV (100 branches, 20 ZIPs) (#6794), Frederick County, VA (12 branches, 12 ZIPs) (#6794), Mineral County, WV (10 branches, 10 ZIPs) (#6794).
Fnb Bank Inc (#6794) reports $277.9 million in total assets; Fnb Bank Inc (#6794) equity $26.0 million (9.4% of Fnb Bank Inc (#6794) assets); Fnb Bank Inc (#6794) domestic deposits $247.8 million; Fnb Bank Inc (#6794) net income $1.4 million; Fnb Bank Inc (#6794) return on assets 0.99%; Fnb Bank Inc (#6794) return on equity 10.79%; Fnb Bank Inc (#6794) net interest income $5.1 million; Fnb Bank Inc (#6794) call report June 30, 2026.
Fnb Bank Inc (#6794) noncurrent real-estate loans: none reported; Fnb Bank Inc (#6794) net charge-offs on real estate 0.27%; Fnb Bank Inc (#6794) residential charge-offs 0.28%.
Fnb Bank Inc (#6794) net interest margin 4.08% against an eight-quarter Fnb Bank Inc (#6794) average of 3.68% (Fnb Bank Inc (#6794) compression -0.40 points); Fnb Bank Inc (#6794) non-residential real estate 27.6% of equity; Fnb Bank Inc (#6794) rate-exposure score 40/100, Fnb Bank Inc (#6794) fixed-rate trap 40/100; Fnb Bank Inc (#6794) risk type credit driven; Fnb Bank Inc (#6794) rate regime rates elevated, Fnb Bank Inc (#6794) snapshot October 19, 2026.
Fnb Bank Inc (#6794) stress score moved from 73.9 on June 22, 2026 to 72.9 on October 19, 2026; Fnb Bank Inc (#6794) ranged 72.9 to 73.9 over 116 snapshots.
Fnb Bank Inc (#6794) alerts: 3 counties; top Fnb Bank Inc (#6794) alert scores: Fort Ashby County, WV 23 (low); Romney County, WV 23 (low); Stephens City County, WV 23 (low).